I think it is required by the Texas A6 laws to have a survey on property in order to refinance cash-out. I found it on the last line of the first page of the Texas Refinance Policy (section 50 (A)(6) at the below-mentioned web page:
"http://www.reunionmortgage.com/pdfs/programguidelines/Texas Refinance Policy.pdf"

Surveys are required if you have ever taken cash out or have made structural changes to your property. If you have taken cash out â€“ A6 â€“ the survey does not have to be a new one, but an existing one. As long as there have been no structural changes since the last survey was done. So if you wanted to use a survey from 1995, you would be fine to do so as long as you have made no structural changes since then.

Please note that structural changes consist of anything that changes the aerial footprint of your home. A pool, a deck, an addition, a new fence, anything with concrete, are all examples.

If you have made structural changes to your home, regardless of whether or not your property is an A6, 50(a)(6), or a Rate and Term, a new survey will be required by the title company before they will issue the title insurance policy.

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